Mortgage lending in Canyon County
8,766 mortgages were originated in Canyon County, Idaho, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,766
- Median rate
- 6.500%
- Median lender fees
- $7,724
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $305,000
- Above the going rate (spread over APOR)
- 0.124
- Paid discount points
- 48.5%
- Received lender credits
- 16.4%
- Purchases / refinances
- 58.3% / 25.2%
- Conventional / FHA / VA
- 70.8% / 19.3% / 9.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $586,500
- Median home price
- $491,000
- That home, 20% down
- $392,800
A median-priced home with 20% down leaves $439,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Canyon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 1,367 | $4,704 | 7.000% |
| Rocket Mortgage, LLC | 529 | $5,749 | 6.625% |
| Guild Mortgage Company | 495 | $8,762 | 6.375% |
| United Shore Financial Services, LLC | 487 | $8,832 | 5.999% |
| Premier Mortgage Resources, L.L.C. | 437 | $11,659 | 6.000% |
| Loandepot.Com, LLC | 297 | $11,119 | 6.250% |
| Evergreen Moneysource Mortgage Company | 222 | $12,573 | 6.500% |
| Lennar Mortgage, LLC | 222 | $5,035 | 4.750% |
| Toll Brothers Mortgage Company | 170 | $9,089 | 5.875% |
| Movement Mortgage, LLC | 169 | $8,172 | 6.562% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Canyon County — not a rule of thumb.
From 6,076 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers